A Clear Path Through Debt Resolution
From your first call to your final settlement, this is how Freedom Solve works with you every step of the way.
Our Core Principles
These commitments guide everything we do and ensure your interests always come first.
Counseling-First
Every consumer starts with a free financial assessment and counseling session with a certified counselor from a nonprofit organization before making any enrollment decision.
Client-Controlled Funds
Clients save for settlements in a dedicated account held in the client's name and under the client's control.
Client-Approved Outcomes
We negotiate with creditors on your behalf. You review and approve each proposed settlement.
Six Steps, One Journey
Every client follows a similar path, but timing and outcomes vary based on individual circumstances.
Free Financial Assessment
You'll have a phone consultation with a certified counselor who reviews your income, expenses, debts, and hardship. This session is educational—designed to help you understand your situation and available options. No pressure, no sales pitch.
Recommendation & Your Decision
Based on your situation, a counselor may discuss whether debt resolution could be appropriate. You take the time you need to think it over. Enrollment only happens if you choose to proceed.
Enrollment (If You Proceed)
If you decide debt resolution is right for you, you review and sign program agreements and required authorizations. Everything is explained clearly before you sign.
Dedicated Account Savings
You begin setting aside funds in a client-owned dedicated account held in your name. These funds are for settlement payments and program-related fees when applicable. You control when and how funds are used.
Negotiation & Settlement Review
When timing and savings allow, we negotiate with creditors on your behalf. Settlement offers are presented to you for review and approval.
Becoming Debt-Free
Once your enrolled debts are settled, you graduate from the program and begin living debt-free.
What You Need to Know
Understanding Debt Resolution
Debt resolution is a way to address unsecured debts when monthly payments are no longer manageable. The goal is to work toward settling eligible debts for less than the full amount owed.
This approach is about making steady progress toward becoming debt-free, not finding a quick fix. It takes time, commitment, and consistent saving.
That's why Freedom Solve always begins with a free financial assessment and counseling session—so you can understand what participation involves before making any decision.
Eligibility & Suitability
Whether this program is right for you is determined during counseling, not from a website. You may be a good candidate if you:
- Have primarily unsecured debt (credit cards, personal loans, medical bills)
- Are experiencing financial hardship
- Struggle to make minimum monthly payments
- Can save consistently for settlement purposes
Fees & Client Funds
You remain in control of your money throughout the program.
No Upfront Fees
Freedom Solve does not collect any fees up front. Program fees are earned only after a settlement is reached.
Dedicated Account
- Held in your name, under your control
- Used for settlement payments and program fees (when applicable)
- You approve all uses of funds
- Consistent saving is important for progress
Risks & Considerations
Debt resolution is a serious financial decision, and outcomes can vary from one person to another. While many consumers choose this approach as a way to work toward resolving debt, results depend on individual circumstances.
Participation may involve changes to your credit profile, ongoing communication from creditors, and a timeline that varies based on your ability to save and creditor policies. In some situations, additional steps or considerations may be needed.
Freedom Solve's counseling-first approach is designed to help you understand what participation may involve before you decide whether to move forward.
Important Disclosure
Freedom Solve is a DBA of GI Money Foundation, Inc., a 501(c)(3) nonprofit organization. Debt resolution services are offered only after counseling and suitability determination. Results are not guaranteed. Participation may affect credit and may involve continued collection activity. We do not provide legal representation, tax advice, credit repair, debt management plans, or bankruptcy services.